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		<title><![CDATA[ Gartner: Banking & Investment Services. ]]></title> 
		<link><![CDATA[ http://www.gartner.com/it/products/research/asset_175135_2395.jsp ]]></link> 
		<description><![CDATA[ In a sea of commoditized products and increasing global regulation, IT professionals and business leaders in the financial services industry must invest in the right technologies to support growth, preserve margins and aid in compliance. Gartner Banking & Investment Services industry research, staffed by top industry analysts, provides the critical insights you'll need to gain competitive advantage. ]]></description> 
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		<category><![CDATA[ Focus Area RSS Feed ]]></category> 
	
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Key Research Positions for Risk Management and Regulatory Compliance, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ IT should approach regulatory compliance as part of a risk-managed business to achieve desired performance outcomes. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212821&ref=g_rss]]></link>
  					<pubDate>Thu, 05 May 2011</pubDate>
					<guid>1670119</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Core Banking System Selection: Criteria That Matter]]></title>
		<description><![CDATA[ Successful orchestration of a core banking system selection process by itself won't guarantee banks will choose the correct system and fulfill business case objectives. Gartner provides actionable advice to ensure that banks focus on criteria that matter. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212087&ref=g_rss]]></link>
  					<pubDate>Wed, 27 Apr 2011</pubDate>
					<guid>1656719</guid>
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	 							<title><![CDATA[ Leverage AML Technology to Create Business Value]]></title>
		<description><![CDATA[ In viewing anti-money-laundering mainly as a regulatory compliance demand, financial firms overlook the business value and cost savings from integrating AML data and processes with enterprise risk, performance and customer relationship management. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212668&ref=g_rss]]></link>
  					<pubDate>Tue, 26 Apr 2011</pubDate>
					<guid>1653815</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ BIAN Update: Integrated Service Providers' Deaf Ear to Standardization]]></title>
		<description><![CDATA[ The representation of a broad range of banking industry stakeholders in BIAN is evident, but integrated service providers promoting proprietary business process models are noticeably absent. Gartner analyzes the impact and cost to the banking industry. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212313&ref=g_rss]]></link>
  					<pubDate>Mon, 25 Apr 2011</pubDate>
					<guid>1650815</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Research Positions for Core Applications and Architecture, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ Gartner presents its 2011 research positions for core applications and architectures in the banking and investment services industry. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212190&ref=g_rss]]></link>
  					<pubDate>Mon, 25 Apr 2011</pubDate>
					<guid>1652720</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Key Research Positions for Payment Systems, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ Payment assets have become more important for banks to deal with their customers' requirements. However, success will demand a new discipline in the development and implementation of new solutions, partnerships and payment applications. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212085&ref=g_rss]]></link>
  					<pubDate>Fri, 22 Apr 2011</pubDate>
					<guid>1650316</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Financial Services CIO Agenda, 2011]]></title>
		<description><![CDATA[ Exiting the financial crisis, financial services CIOs are under pressure to generate growth. Modest budget increases, a profusion of legacy technology and lack of business participation hinder progress. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212422&ref=g_rss]]></link>
  					<pubDate>Wed, 20 Apr 2011</pubDate>
					<guid>1642915</guid>
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					<category><![CDATA[Featured Research]]></category> 
	 							<title><![CDATA[ Financial Services CEO Agenda, 2011]]></title>
		<description><![CDATA[ Globally, financial services CEOs believe that IT capabilities contribute 24% of revenue, but see IT as a "black box" that is poorly understood and difficult to leverage for competitive differentiation. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211829&ref=g_rss]]></link>
  					<pubDate>Thu, 31 Mar 2011</pubDate>
					<guid>1614223</guid>
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  <category><![CDATA[Operations]]></category> 
   			<title><![CDATA[ Core Banking System Selection: Criteria That Matter]]></title>
		<description><![CDATA[ Successful orchestration of a core banking system selection process by itself won't guarantee banks will choose the correct system and fulfill business case objectives. Gartner provides actionable advice to ensure that banks focus on criteria that matter. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212087&ref=g_rss]]></link>
  	 <pubDate>Wed, 27 Apr 2011</pubDate>
	 <guid>1656719</guid>
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   			<title><![CDATA[ The Japanese Crisis: Implications and Recommendations for Financial Services Firms]]></title>
		<description><![CDATA[ The Japanese crisis, including the earthquake, tsunami, nuclear facility instability and impact on citizens, highlights the importance of financial services continuity. This research highlights IT actions that Japanese and foreign financial services CIOs should take postcrisis. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212185&ref=g_rss]]></link>
  	 <pubDate>Fri, 01 Apr 2011</pubDate>
	 <guid>1616916</guid>
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   			<title><![CDATA[ Wealth Management Middle-Office Systems: Open Databases, Process Management and SOA Are Key to Success]]></title>
		<description><![CDATA[ A range of incompatible point solutions has created unsustainable complexity in the middle-office systems of broker-dealers and wealth managers. Fixing this problem requires open data architectures, a process-oriented development strategy and BPM-enabled service-oriented architecture. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211268&ref=g_rss]]></link>
  	 <pubDate>Thu, 17 Mar 2011</pubDate>
	 <guid>1594514</guid>
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   			<title><![CDATA[ With M-Com Deal, Fiserv Becomes Lead Vendor in Mobile Retail Banking]]></title>
		<description><![CDATA[ Fiserv's acquisition of Mobile Commerce puts it in the lead and challenges other retail banking application vendors to speed up deals for mobile retail banking solutions and incorporate them into their solution portfolios. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211377&ref=g_rss]]></link>
  	 <pubDate>Thu, 03 Mar 2011</pubDate>
	 <guid>1571617</guid>
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   			<title><![CDATA[ A Process Model for Retail and Commercial Lending Application Overhaul]]></title>
		<description><![CDATA[ This analysis defines a process model for retail and commercial lending. It provides IT and line-of-business executives a common language as they overhaul their lending architecture and applications. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210736&ref=g_rss]]></link>
  	 <pubDate>Fri, 25 Feb 2011</pubDate>
	 <guid>1563916</guid>
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  <category><![CDATA[Operations]]></category> 
   			<title><![CDATA[ Survey Shows That Financial Firms Targeting Agility and Efficiency Are Consolidating Middleware]]></title>
		<description><![CDATA[ Efficiency and agility are important drivers for financial firms that are consolidating middleware vendors and middleware instances. Financial firms without a strong middleware platform will find themselves at a competitive disadvantage compared with their more-nimble peers. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210141&ref=g_rss]]></link>
  	 <pubDate>Fri, 11 Feb 2011</pubDate>
	 <guid>1546927</guid>
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   			<title><![CDATA[ SOA Moves Financial Firms Closer to the Cloud]]></title>
		<description><![CDATA[ As banks and investment services firms adopt service-oriented architectures, they are also tackling issues that are barriers to the use of cloud services for applications and data. These firms can use their SOA groundwork to facilitate the movement to the cloud. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=201463&ref=g_rss]]></link>
  	 <pubDate>Fri, 28 Jan 2011</pubDate>
	 <guid>1531818</guid>
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   			<title><![CDATA[ A Framework to Align IT With the Strategic Intent of Group Treasury Operations]]></title>
		<description><![CDATA[ Bank IT departments are striving to streamline and enhance their treasury operations. Understanding the nature of the business model and then aligning architectural strategy are crucial enablers of future performance. We offer a framework to accomplish those tasks. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209238&ref=g_rss]]></link>
  	 <pubDate>Wed, 29 Dec 2010</pubDate>
	 <guid>1509714</guid>
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   			<title><![CDATA[ Account Aggregation: Limited Demand in Banking; Growing Need in Wealth Management]]></title>
		<description><![CDATA[ Account aggregation services have been available for more than a decade, but are still not widely used due to low consumer interest. While the need in retail banking will remain limited, the potential use in wealth management is growing. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209283&ref=g_rss]]></link>
  	 <pubDate>Wed, 08 Dec 2010</pubDate>
	 <guid>1488125</guid>
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   			<title><![CDATA[ Sybase mCommerce 365 for Mobile Retail Banking and Financial Services]]></title>
		<description><![CDATA[ Sybase mCommerce 365 is a mobile financial services platform for retail banking and payment solutions. Banks can deploy the Sybase mCommerce 365 suite in a variety of configurations to execute mobile retail banking and mobile financial services strategies. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208694&ref=g_rss]]></link>
  	 <pubDate>Mon, 29 Nov 2010</pubDate>
	 <guid>1480214</guid>
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  <category><![CDATA[Business Processes]]></category> 
   			<title><![CDATA[ BIAN Update: Integrated Service Providers' Deaf Ear to Standardization]]></title>
		<description><![CDATA[ The representation of a broad range of banking industry stakeholders in BIAN is evident, but integrated service providers promoting proprietary business process models are noticeably absent. Gartner analyzes the impact and cost to the banking industry. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212313&ref=g_rss]]></link>
  	 <pubDate>Mon, 25 Apr 2011</pubDate>
	 <guid>1650815</guid>  
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  <category><![CDATA[Business Processes]]></category> 
   			<title><![CDATA[ The Conceptual and Technical Architecture of the Lending Services Hub]]></title>
		<description><![CDATA[ The lending services hub is an ideal-state conceptual and technical architecture that will enable banks to adapt to new market realities. Use this analysis to support planning for application overhaul. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211589&ref=g_rss]]></link>
  	 <pubDate>Fri, 18 Mar 2011</pubDate>
	 <guid>1596727</guid>  
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   			<title><![CDATA[ Choosing the Right Model for Your Wealth Management Solution Strategy]]></title>
		<description><![CDATA[ Single-vendor solutions continue to decline as a way to provide front-office technology for financial advisors in the form of a broker desktop wealth management (BDWM) workstation. There is no true "one-stop shop" for this set of functionality. Don't let vendors tell you otherwise. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211586&ref=g_rss]]></link>
  	 <pubDate>Fri, 18 Mar 2011</pubDate>
	 <guid>1596719</guid>  
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  <category><![CDATA[Business Processes]]></category> 
   			<title><![CDATA[ Seven Keys to Successful SOA Implementation in the Financial Industry]]></title>
		<description><![CDATA[ Many financial firms fail to realize the full value of their investments in SOA. This analysis of seven key characteristics of successful firms provides fact-based evidence for best practices. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210760&ref=g_rss]]></link>
  	 <pubDate>Wed, 09 Mar 2011</pubDate>
	 <guid>1581614</guid>  
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   			<title><![CDATA[ Performance Reporting in Investment Management: Time to Take a More Business-Oriented Approach]]></title>
		<description><![CDATA[ Investment management firms must improve their reporting processes from both client service and operational perspectives. We examine the challenges and opportunities this presents. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209674&ref=g_rss]]></link>
  	 <pubDate>Mon, 20 Dec 2010</pubDate>
	 <guid>1501814</guid>  
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   			<title><![CDATA[ Top Banks: Their IT Plans and Investments, 3Q10]]></title>
		<description><![CDATA[ The 3Q10 banking IT investments update continues the previous quarter's focus on mobile devices and online capabilities for retail customers. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209688&ref=g_rss]]></link>
  	 <pubDate>Fri, 17 Dec 2010</pubDate>
	 <guid>1499615</guid>  
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   			<title><![CDATA[ Core Banking System Adoption Trends: Recession, What Recession?]]></title>
		<description><![CDATA[ Times are tough, and banks are avoiding IT investments that have an immediate revenue impact or that don't optimize costs. So, an assumption that large IT investments like CBSs are being broadly shelved or canceled would be a safe bet, right? ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=200872&ref=g_rss]]></link>
  	 <pubDate>Fri, 17 Dec 2010</pubDate>
	 <guid>1499714</guid>  
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   			<title><![CDATA[ Survey Analysis: Cloud Not a Data Center Investment Priority for Majority of Banks]]></title>
		<description><![CDATA[ Gartner's user wants and needs survey for enterprise data centers reveals that only 26% of banks will invest in cloud computing as a top-three data center priority investment by year-end 2011. The lack of clearly identified business benefits for cloud computing is inhibiting adoption. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208927&ref=g_rss]]></link>
  	 <pubDate>Fri, 03 Dec 2010</pubDate>
	 <guid>1485120</guid>  
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  <category><![CDATA[Business Processes]]></category> 
   			<title><![CDATA[ Business Process Management Technologies Are Being Adopted by Banks and Investment Services Firms in Different Ways]]></title>
		<description><![CDATA[ Gartner's 2010 Banking and Investment Services Architecture Survey shows significant investment is under way in BPM technologies. Areas of BPM investment give insight into firms' strategic initiatives and viability. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206899&ref=g_rss]]></link>
  	 <pubDate>Wed, 27 Oct 2010</pubDate>
	 <guid>1458116</guid>  
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  <category><![CDATA[Business Processes]]></category> 
   			<title><![CDATA[ The European Crisis and Market Impact: Situation Remains Dire]]></title>
		<description><![CDATA[ Notwithstanding governmental efforts to shore up economies and industries, problematic economic, policy and personal behaviors still must be rectified to ease the effects of the economic crisis. Structural imbalances in Europe will have an impact on how businesses operate globally through the 2010s. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206686&ref=g_rss]]></link>
  	 <pubDate>Fri, 01 Oct 2010</pubDate>
	 <guid>1443329</guid>  
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  <category><![CDATA[Executive Decisions]]></category> 
   			<title><![CDATA[ Research Positions for Core Applications and Architecture, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ Gartner presents its 2011 research positions for core applications and architectures in the banking and investment services industry. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212190&ref=g_rss]]></link>
  	  <pubDate>Mon, 25 Apr 2011</pubDate>
	 <guid>1652720</guid>   
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  <category><![CDATA[Executive Decisions]]></category> 
   			<title><![CDATA[ Financial Services CIO Agenda, 2011]]></title>
		<description><![CDATA[ Exiting the financial crisis, financial services CIOs are under pressure to generate growth. Modest budget increases, a profusion of legacy technology and lack of business participation hinder progress. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212422&ref=g_rss]]></link>
  	  <pubDate>Wed, 20 Apr 2011</pubDate>
	 <guid>1642915</guid>   
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   			<title><![CDATA[ Strategic Planning Is the Key to Success in Emerging Banking Markets: Vietnam Faces an Open Market and Growing Foreign Competition]]></title>
		<description><![CDATA[ The Vietnam banking market is increasingly open to competition from foreign banks. Local financial institutions must develop or reassess their business and IT strategies to capture or defend market share. Banks in other jurisdictions facing similar market changes can learn from this analysis. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211978&ref=g_rss]]></link>
  	  <pubDate>Thu, 07 Apr 2011</pubDate>
	 <guid>1623518</guid>   
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   			<title><![CDATA[ IT Metrics: Data Indicates Diseconomies of Scale for the Largest Financial Firms]]></title>
		<description><![CDATA[ Gartner IT metrics data suggests that financial firms with $1 billion to $10 billion in revenue achieve better corporate performance than firms with more than $10 billion in revenue. We offer five factors to explain this disconnect, which goes against the prevailing economic theory. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211957&ref=g_rss]]></link>
  	  <pubDate>Thu, 31 Mar 2011</pubDate>
	 <guid>1613528</guid>   
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   			<title><![CDATA[ Financial Services CEO Agenda, 2011]]></title>
		<description><![CDATA[ Globally, financial services CEOs believe that IT capabilities contribute 24% of revenue, but see IT as a "black box" that is poorly understood and difficult to leverage for competitive differentiation. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211829&ref=g_rss]]></link>
  	  <pubDate>Thu, 31 Mar 2011</pubDate>
	 <guid>1614223</guid>   
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   			<title><![CDATA[ Major Vendors' Embryonic Clouds Will Frustrate Financial Services CIOs]]></title>
		<description><![CDATA[ Industry-specific cloud strategies from megavendors that cater to financial services institutions are at a much more embryonic stage than marketing activities suggest. Gartner recommends that FSIs follow the cautionary principles here when evaluating cloud service providers' capabilities. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210834&ref=g_rss]]></link>
  	  <pubDate>Thu, 24 Mar 2011</pubDate>
	 <guid>1604030</guid>   
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   			<title><![CDATA[ Application Migration Approaches for Retail and Commercial Loan Servicing]]></title>
		<description><![CDATA[ Banks that have hard-coded loan-servicing applications but do not migrate their loan-servicing applications are at risk of losing revenue and market share to banks with more-agile application architectures. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209988&ref=g_rss]]></link>
  	  <pubDate>Mon, 21 Mar 2011</pubDate>
	 <guid>1599062</guid>   
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  <category><![CDATA[Executive Decisions]]></category> 
   			<title><![CDATA[ Top Banks: Their IT Plans and Investments, 4Q10]]></title>
		<description><![CDATA[ The world's largest (by revenue) banks continue to fund innovations in mobile and online financial services as they evolve from fueling the hype about such capabilities to creating and deploying new services that offer substantive benefits to consumers and businesses. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211062&ref=g_rss]]></link>
  	  <pubDate>Thu, 17 Mar 2011</pubDate>
	 <guid>1595414</guid>   
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  <category><![CDATA[Executive Decisions]]></category> 
   			<title><![CDATA[ Decision Framework for Investment Services Firms Outsourcing]]></title>
		<description><![CDATA[ Investment management firms must transform their IT outsourcing strategy for core operations to increase flexibility and business model support. They should look beyond like-for-like replacements and select from a wider variety of outsourcing alternatives. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209576&ref=g_rss]]></link>
  	  <pubDate>Wed, 26 Jan 2011</pubDate>
	 <guid>1529636</guid>   
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  <category><![CDATA[Executive Decisions]]></category> 
   			<title><![CDATA[ Wallstreet Buys Treasura, Strengthens Corporate Treasury Portfolio]]></title>
		<description><![CDATA[ Wall Street Systems' acquisition of Treasura will strengthen its portfolio. But its plan to converge Treasura with City Financials may create some confusion in the short term. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210217&ref=g_rss]]></link>
  	  <pubDate>Fri, 14 Jan 2011</pubDate>
	 <guid>1521616</guid>   
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   			<title><![CDATA[ A Financial Firm Innovates to Protect Government Workers' Paychecks]]></title>
		<description><![CDATA[ The largest U.S. credit union took a proactive approach to protect members from financial ills due to a potential shutdown of the U.S. government. Other financial firms can learn from this to engender customer loyalty. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212671&ref=g_rss]]></link>
  	 <pubDate>Wed, 13 Apr 2011</pubDate>
	 <guid>1632317</guid>
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   			<title><![CDATA[ Financial Services Firms Must Modernize Corporate Customer and Counterparty Communications]]></title>
		<description><![CDATA[ Gartner's architecture survey shows that, despite progress being made, financial services firms face significant cost and risk burdens, while missing out on improved customer relationships and revenue-generation opportunities due to antiquated communications. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211573&ref=g_rss]]></link>
  	 <pubDate>Mon, 21 Mar 2011</pubDate>
	 <guid>1599075</guid>
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   			<title><![CDATA[ Location and Context Undermine Banks' Multichannel Strategies]]></title>
		<description><![CDATA[ Bank approaches to customer service and product delivery lag accepted standards across multiple industries. Banks are set to fall further behind, risking customer retention and acquisition and jeopardizing future revenue streams. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210522&ref=g_rss]]></link>
  	 <pubDate>Thu, 17 Mar 2011</pubDate>
	 <guid>1594614</guid>
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   			<title><![CDATA[ Operational Failures Should Not Tempt Banks to Retreat From Social Media]]></title>
		<description><![CDATA[ Operational risk incidents may tempt banks to use only traditional press release communications, and become wary about using social media and online tools. However, banks that communicate more openly and transparently will gain the most. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210412&ref=g_rss]]></link>
  	 <pubDate>Wed, 23 Feb 2011</pubDate>
	 <guid>1557815</guid>
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   			<title><![CDATA[ Case Study: Punjab National Bank Brings Financial Services to the Unbanked in India]]></title>
		<description><![CDATA[ The pursuit of the unbanked market segment presents many barriers and is often fraught with risk. India's Punjab National Bank is one of several public banks cracking the code of this market. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206603&ref=g_rss]]></link>
  	 <pubDate>Fri, 17 Dec 2010</pubDate>
	 <guid>1499624</guid>
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  <category><![CDATA[Customer]]></category> 
   			<title><![CDATA[ Case Study: First National Bank Boosts Customer Retention at SMBs Through Financial Management and Accounting Tool]]></title>
		<description><![CDATA[ FNB found it could improve customer acquisition and retention by supplying a financial management and accounting tool to its small and midsize business customers in South Africa. Simplicity of access and a bold new pricing model were critical factors in making this a differentiating solution. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208450&ref=g_rss]]></link>
  	 <pubDate>Mon, 29 Nov 2010</pubDate>
	 <guid>1479927</guid>
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  <category><![CDATA[Customer]]></category> 
   			<title><![CDATA[ Nine Essential Business and Technology Model Elements to Reach the Unbanked in Emerging Economies]]></title>
		<description><![CDATA[ A successful strategy to reach the unbanked in emerging economies requires nine key business and technology model elements. Banks are currently most concerned with how to achieve low costs per transaction. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208135&ref=g_rss]]></link>
  	 <pubDate>Wed, 24 Nov 2010</pubDate>
	 <guid>1477418</guid>
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  <category><![CDATA[Customer]]></category> 
   			<title><![CDATA[ The Fundamentals for Success With Mobile Financial Services]]></title>
		<description><![CDATA[ The mobile banking and payment markets are highly hyped due to the rate of market entry and technology innovations. To ensure a sound basis for success, participants must first recognize the market fundamentals. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206733&ref=g_rss]]></link>
  	 <pubDate>Tue, 09 Nov 2010</pubDate>
	 <guid>1465827</guid>
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  <category><![CDATA[Customer]]></category> 
   			<title><![CDATA[ Meeting the Financial Needs of the Emerging Global Middle Class]]></title>
		<description><![CDATA[ The next decade will see a rapid expansion of the global middle class, with an accompanying need for more-extensive financial services. We examine what this need will be and what financial services providers need to do to capture this opportunity. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206663&ref=g_rss]]></link>
  	 <pubDate>Thu, 16 Sep 2010</pubDate>
	 <guid>1436757</guid>
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  <category><![CDATA[Customer]]></category> 
   			<title><![CDATA[ Roundup of Banking and Investment Services Research, 2Q10]]></title>
		<description><![CDATA[ This roundup provides IT leaders with a hyperlinked menu of banking and investment services IT research published from July 2009 through June 2010 on gartner.com. This research is aligned to our Key Issues, 2010, by Core Topics. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=205985&ref=g_rss]]></link>
  	 <pubDate>Tue, 07 Sep 2010</pubDate>
	 <guid>1432613</guid>
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Key Research Positions for Payment Systems, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ Payment assets have become more important for banks to deal with their customers' requirements. However, success will demand a new discipline in the development and implementation of new solutions, partnerships and payment applications. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212085&ref=g_rss]]></link>
  	 <pubDate>Fri, 22 Apr 2011</pubDate>
	 <guid>1650316</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Gartner Payment Services Hub Functional Model: Maximize ROI on Payment Assets]]></title>
		<description><![CDATA[ Often seen as a magic "black box" to deal with bank payment woes and strategic aspirations, the PSH concept is often misused in the industry. Banks without a clear vision for a PSH often wrongly define their requirements based on vendor influences and fail to respond to customer needs. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211599&ref=g_rss]]></link>
  	 <pubDate>Thu, 31 Mar 2011</pubDate>
	 <guid>1613715</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ S1 Mobile Supports Payment Hub, Mobile Retail and Business Banking Strategies]]></title>
		<description><![CDATA[ S1 offers a mobile solution that supports retail banking and payments. This solution can be deployed not only to execute mobile retail banking and mobile financial services strategies, but also to support a bank's payment hub strategy. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210809&ref=g_rss]]></link>
  	 <pubDate>Thu, 17 Mar 2011</pubDate>
	 <guid>1594916</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Process Analysis for Retail and Commercial Lending Shows Opportunity for Reuse]]></title>
		<description><![CDATA[ The belief that retail and commercial lending instruments require separate, purpose-built homegrown or packaged applications is wrong. Our process analysis shows why. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210737&ref=g_rss]]></link>
  	 <pubDate>Wed, 09 Mar 2011</pubDate>
	 <guid>1580414</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Starbucks' Mobile Payment Application Challenges NFC Mobile Payments]]></title>
		<description><![CDATA[ The announcement of a new mobile payment and loyalty application for Starbucks cardholders in the U.S. highlights a significant development in the mobile payments market. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210627&ref=g_rss]]></link>
  	 <pubDate>Wed, 23 Feb 2011</pubDate>
	 <guid>1558314</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Modernization of Banks' Payment Systems: Transformation, Not Just Renovation]]></title>
		<description><![CDATA[ More and more banks have started or are considering modernizing their payment systems. By achieving visibility and agility across their value chain, banks' modernization initiatives will directly influence their long-term competitiveness. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209759&ref=g_rss]]></link>
  	 <pubDate>Mon, 31 Jan 2011</pubDate>
	 <guid>1533121</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Transformation Needed Regardless of the Fate of U.S. Debit Card Interchange]]></title>
		<description><![CDATA[ Regulation II would reduce debit card interchange by 70% to 90%, but U.S. banks must transform their payment operations regardless of this proposed rule or fail to be relevant or profitable in their retail banking customer relationships. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209968&ref=g_rss]]></link>
  	 <pubDate>Fri, 21 Jan 2011</pubDate>
	 <guid>1526628</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Banks Shouldn't Try to Copy the Mobile Payment Success of Kenya and the Philippines]]></title>
		<description><![CDATA[ Few banks have achieved more than 1 million accounts with remittance-based mobile payments to reach the unbanked. Just because these levels have been achieved in Kenya and the Philippines does not mean a bank will be able to replicate the experience in other countries. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208118&ref=g_rss]]></link>
  	 <pubDate>Wed, 24 Nov 2010</pubDate>
	 <guid>1477420</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Open Development Payment Platforms and Banking]]></title>
		<description><![CDATA[ Open development payment platforms provide new opportunities for and pose new threats to banks, vendors and network operators. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206531&ref=g_rss]]></link>
  	 <pubDate>Thu, 11 Nov 2010</pubDate>
	 <guid>1467720</guid> 
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  <category><![CDATA[Payments]]></category> 
   			<title><![CDATA[ Turning Banks Into Independent Payment Advisors]]></title>
		<description><![CDATA[ Innovating with retail payment instruments and systems usually implies industry schemes or proprietary solutions. However, there is a third way: turning the bank into an independent payment advisor. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206598&ref=g_rss]]></link>
  	 <pubDate>Tue, 28 Sep 2010</pubDate>
	 <guid>1441562</guid> 
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ Key Research Positions for Risk Management and Regulatory Compliance, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ IT should approach regulatory compliance as part of a risk-managed business to achieve desired performance outcomes. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212821&ref=g_rss]]></link>
  	 <pubDate>Thu, 05 May 2011</pubDate>
	 <guid>1670119</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ Leverage AML Technology to Create Business Value]]></title>
		<description><![CDATA[ In viewing anti-money-laundering mainly as a regulatory compliance demand, financial firms overlook the business value and cost savings from integrating AML data and processes with enterprise risk, performance and customer relationship management. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212668&ref=g_rss]]></link>
  	 <pubDate>Tue, 26 Apr 2011</pubDate>
	 <guid>1653815</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ A Top View of Liquidity Risk Management Research]]></title>
		<description><![CDATA[ Given its broad-based information and risk interdependencies, enabling a more transparent view of liquidity positions, and the timely responses necessary to manage those risk exposures, is a subject of primary importance to the IT organization. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=211466&ref=g_rss]]></link>
  	 <pubDate>Mon, 21 Mar 2011</pubDate>
	 <guid>1599068</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ Implementation Time and Professional Services Coverage for Risk Management Software Vendors]]></title>
		<description><![CDATA[ This analysis provides guidance for business and IT groups for assessing risk management software vendor implementation and support capabilities. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210654&ref=g_rss]]></link>
  	 <pubDate>Fri, 25 Feb 2011</pubDate>
	 <guid>1561914</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ Principle-Based Regulation Demands a Holistic Approach to Compliance, Risk and Performance Management]]></title>
		<description><![CDATA[ Principle-based regulation is the cornerstone on which the future risk management strategies of banks will be constructed. Such principles demand aggregation and enhancement of synergies among loosely related audit, risk and compliance disciplines, presenting challenges for most institutions. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210394&ref=g_rss]]></link>
  	 <pubDate>Mon, 14 Feb 2011</pubDate>
	 <guid>1547937</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ A Banker's Guide to Credit, Market and Operational Risk Management Software Functionality]]></title>
		<description><![CDATA[ In addition to meeting immediate tactical control and compliance requirements, risk management software selection encompasses functionality that supports understanding and analysis of risk interdependencies, quantitative decision making and performance management. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=209414&ref=g_rss]]></link>
  	 <pubDate>Thu, 23 Dec 2010</pubDate>
	 <guid>1506614</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ Market Analysis and Vendor Overview of Credit, Market and Operational Risk Management Software Applications for Financial Services]]></title>
		<description><![CDATA[ This analysis provides IT leaders an overview of the financial services risk management software market, and a context for use. This can promote greater collaboration within financial institutions for the governance and reuse of risk management applications across the enterprise. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=208346&ref=g_rss]]></link>
  	 <pubDate>Tue, 02 Nov 2010</pubDate>
	 <guid>1461717</guid>
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  <category><![CDATA[Risk Management and Compliance]]></category> 
   			<title><![CDATA[ IT Should Drive Improvements in Small Business Credit Analysis]]></title>
		<description><![CDATA[ Automation of the credit origination process and monitoring of creditworthiness using scoring models can improve efficiency and decision analysis. However, it requires that institutions integrate credit scoring with enterprise-level technology and data structures. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=207268&ref=g_rss]]></link>
  	 <pubDate>Wed, 27 Oct 2010</pubDate>
	 <guid>1458133</guid>
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  <category><![CDATA[Hype Cycles]]></category> 
   			<title><![CDATA[ Hype Cycle for Banking and Investment Services Customer Acquisition and Retention, 2010]]></title>
		<description><![CDATA[ The global economic outlook remains volatile, and banks need to refocus on revenue and balance sheet repair. Hence, they'll be appraising technologies that focus on their customers and that improve their organizations' ability to serve their customers' needs. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=205101&ref=g_rss]]></link>
  	 <pubDate>Fri, 30 Jul 2010</pubDate>
	 <guid>1414214</guid>
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  <category><![CDATA[Hype Cycles]]></category> 
   			<title><![CDATA[ Hype Cycle for Financial Services Payment Systems, 2010]]></title>
		<description><![CDATA[ Access to and control of their liquidity remain primary objectives of banks' customers. This is accompanied by a demand for a personalization of payment products and services. As a result, 2010 will be the year banks prepare their payment operations for sustainable personalization. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=205010&ref=g_rss]]></link>
  	 <pubDate>Wed, 28 Jul 2010</pubDate>
	 <guid>1412113</guid>
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  <category><![CDATA[Hype Cycles]]></category> 
   			<title><![CDATA[ Hype Cycle for Banking and Investment Services Core Applications Technologies, 2010]]></title>
		<description><![CDATA[ Banking and investment services firms worldwide are focusing on return-to-growth strategies. These firms' executives should use our Hype Cycle to identify the differences between overhyped and high-impact technologies, and their time to reach maturity. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=205061&ref=g_rss]]></link>
  	 <pubDate>Mon, 26 Jul 2010</pubDate>
	 <guid>1409613</guid>
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  <category><![CDATA[Magic Quadrants]]></category> 
   			<title><![CDATA[ Magic Quadrant for Energy Trading and Risk Management Platforms]]></title>
		<description><![CDATA[ Energy trading and risk management platforms provide energy market participants with a means of optimizing the physical and financial positions of multiple commodities. This Magic Quadrant analyzes the leading providers of these platforms. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=210892&ref=g_rss]]></link>
  	 <pubDate>Fri, 18 Mar 2011</pubDate>
	 <guid>1597314</guid>
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  <category><![CDATA[Magic Quadrants]]></category> 
   			<title><![CDATA[ Magic Quadrant for International Retail Core Banking]]></title>
		<description><![CDATA[ IT cost optimization dominated bank investment agendas again during the past year, but most banks considering core banking replacement are not postponing these strategic programs. Gartner provides analysis on the evolving retail core banking software market. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=206241&ref=g_rss]]></link>
  	 <pubDate>Mon, 13 Sep 2010</pubDate>
	 <guid>1435519</guid>
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  <category><![CDATA[Magic Quadrants]]></category> 
   			<title><![CDATA[ MarketScope for Multiregional Card Management Software]]></title>
		<description><![CDATA[ A high level of card management software decision cycles is under way on a global basis. Financial institutions will find that vendor products are flexible, but that vendor implementation and post-implementation support need improvement. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=200593&ref=g_rss]]></link>
  	 <pubDate>Tue, 22 Jun 2010</pubDate>
	 <guid>1389323</guid>
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  <category>Spotlights</category>
   			<title><![CDATA[ Key Research Positions for Risk Management and Regulatory Compliance, Banking and Investment Services, 2011]]></title>
		<description><![CDATA[ IT should approach regulatory compliance as part of a risk-managed business to achieve desired performance outcomes. ]]></description>
		
			<link><![CDATA[http://www.gartner.com/DisplayDocument?doc_cd=212821&ref=g_rss]]></link>
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<category>Teleconferences</category>
 			<title><![CDATA[ Prospering in a World Where the Consumer Is Truly the King</BR></BR>27 August 2009]]></title> 
  	
										<link><![CDATA[http://www.gartner.com/it/page.jsp?id=1079912]]></link>
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<category>Events</category>
 			<title><![CDATA[ Symposium/ITxpo Worlwide]]></title> 
  	
										<link><![CDATA[http://www.gartner.com/2_events/symposium/worldwide.html]]></link>
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<category>Events</category>
 			<title><![CDATA[ Gartner Business Process Management Summit]]></title> 
  	
										<link><![CDATA[http://www.gartner.com/technology/summits/na/business-process/index.jsp]]></link>
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